# Agentic AI for banks in India Indian banks, NBFCs and insurers serve huge customer bases at low cost, which makes AI agents especially valuable and especially risky. We help them deploy agents that meet RBI, SEBI and IRDAI expectations and the DPDP Act, on Indian cloud regions or on-premises. ## Key facts - **Regulators:** RBI, SEBI, IRDAI, Cross-sector: see below - **Deployment options:** AWS Mumbai and Hyderabad, Azure Central, South and West India, Google Cloud Mumbai and Delhi, or on-premises - **First agents we build:** Onboarding and V-CIP preparation, UPI and card fraud triage, Collections within RBI conduct rules - **Controls on every agent:** Own identity and least-privilege access, human approval for material actions, full audit trail, prompt-injection testing ## Use cases - **Onboarding and V-CIP preparation:** Pre-check documents and prepare the file before a video KYC session, so officers spend the call on verification. - **UPI and card fraud triage:** Group related alerts, link likely mule accounts and draft the case for the fraud team. - **Collections within RBI conduct rules:** Prioritise accounts and draft reminders that respect permitted calling hours and fair-practice rules, with an officer approving each plan. - **Grievance handling:** Classify complaints, pull the account history and draft replies within the bank's turnaround times, before they reach the ombudsman. - **Regulatory returns:** Gather the data for RBI returns, run consistency checks and flag gaps before submission. - **Branch and relationship manager assistants:** Answer product and policy questions in Hindi, Tamil and other Indian languages, from the bank's own circulars. ## Regulators - **RBI:** IT governance and cyber security directions, digital lending rules and the FREE-AI framework for responsible AI, published in August 2025. - **SEBI:** The Cybersecurity and Cyber Resilience Framework (CSCRF) for regulated entities. - **IRDAI:** Information and cyber security guidelines for insurers. - **Cross-sector:** The DPDP Act and DPDP Rules 2025, and CERT-In's 6-hour incident reporting directions. ## FAQ ### What is RBI's FREE-AI framework? The Framework for Responsible and Ethical Enablement of AI, published by an RBI committee in August 2025. It sets out principles and recommendations for how regulated entities govern AI, including board-approved AI policies and audits. ### Can agents work in Indian languages? Yes. We build agents for English, Hindi, Tamil and other Indian languages, and test them with the bank's own customer conversations. ### How do agents fit CERT-In's 6-hour rule? Every agent action is logged and monitored, and incident runbooks cover AI-related incidents, so security teams can report within CERT-In's 6-hour window.